Wisconsin Car Insurance Requirements
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What every Wisconsin driver must carry at minimum, and what that cover pays for.
- $40. That's the monthly average for liability.
- 25/50/10. The minimum liability limits.
- 45th of 51most expensive state (1st = highest)
What the state of Wisconsin requires
| Cover | Minimum |
|---|---|
| Bodily injury, per person | $25,000 |
| Bodily injury, per crash | $50,000 |
| Property damage, per crash | $10,000 |
| Personal injury protection | Not required |
| Uninsured motorist | Required |
| Underinsured motorist | Not required |
| Fault system | At-fault |
Source: Wisconsin DMV (WisDOT), Auto Insurance; Automobile Financial Responsibility Limits by State, rev. 7/2024 (Insurance Information Institute table archive 21211, APCIA data; PDF copy hosted by riskeducation.org).
What each amount pays for
At least 25/50/10 liability is what Wisconsin requires. It covers $25,000 per person hurt, $50,000 for all people hurt in one crash and $10,000 to cover damage to other people's property.
These limits often fall short of what medical bills and a newer car cost. Because anything beyond them can be claimed from you, many drivers buy 100/300/100 instead. A liability policy in Wisconsin costs $484 a year on average.
Driving without insurance
Driving without insurance in Wisconsin can cost you your license and registration. Getting them back may mean filing proof of insurance over a period of several years.
Questions go to the Wisconsin Department of Transportation, Division of Motor Vehicles (DMV).
More about car insurance in Wisconsin
Originally written